10,000 per month feeds two people

The salary of the majority of Russian citizens leaves much to be desired, and many rightly ask the question: how can one even live on it? In this article we will talk about how you can not only live with an income of 10,000 rubles a month, but also allow you to save a certain amount of money for a rainy day. Also, the information presented will be useful for people with average and high incomes in order to rationalize expenses.

Description of expenses

To understand how to live on 10,000 rubles a month, you need to determine the sources of expenses. As a rule, these include utility bills, food, clothing, treatment and repair costs. Considering that the first two sources are the most expensive, reducing the cost of paying for them will lead to significant savings. Utility bills for the average 1-2 room apartment will be about 3000 rubles. It takes about 4,000 rubles a month to feed one person. That leaves 3,000, half of which can be spent on buying clothes, and the other half left for emergencies.

Naturally, with 1,500 a month you won’t be able to wander around boutiques and expensive stores in search of clothes, but you can still buy the necessary wardrobe. If you save on utilities and food, you can allocate additional cash to update your wardrobe or buy pieces of furniture. Everyone has their own preferences - some people like to eat delicious food, while for others it is important how good they look, so the ways to save will be different for everyone.

Saving on utility bills

How to save money on payments public utilities? The answer is obvious - it is necessary to reduce the consumption of consumed resources. Surely, many are familiar with the situation when completely different amounts of money are spent on heating apartments of the same size in neighboring houses. The reason lies in the level of insulation of the house, the quality of communications and other indicators. Therefore, if you are still deciding on your place of residence or have decided to change it, be sure to take these factors into account - and even though a better insulated apartment will be more expensive, in the long run it will bring significant benefits.

The next step towards reducing utility bills is to install meters for all types of resources for which you pay. Don’t be alarmed by the upcoming costs for equipment - they will pay for themselves in a few months, of course, if you are not going to use account water to water the garden, or heat your apartment using a gas stove. Even with normal consumption of all resources, without trying to save, you will spend much less of them than is stated in the standards according to which utility services issue bills.

Turn off those utilities that you no longer use or use very rarely. The landline telephone has now been almost completely replaced mobile communications and via the Internet, so you can safely turn it off. Cable television or a shared antenna are also losing their relevance - all program schedules and new film releases can be viewed via the Internet. Seemingly small sources of expense, if eliminated, can ultimately bring significant savings.

Save energy resources. Turning off the lights in rooms where you are not present has long become the norm for residents of highly developed countries. But an ordinary Russian worker with a salary of 10,000 rubles can afford to leave the lights on in the entire apartment at the same time. Get into the habit of using only those electrical appliances that you need for your specific needs. this moment time, and you will be surprised how much lower your energy bills will be. The same applies to water and gas, the consumption of which can also be reduced without experiencing any discomfort.

Many people spend extra money when paying for utilities due to the fees that some banks and payment terminals charge. Therefore, look for more profitable places for making payments - for example, the post office, even if there is a longer queue there, but you will not have to overpay extra interest.

Saving on food

One of the most effective ways Saving money is cutting down on food costs. And this does not mean a deterioration in diet or consumption of unhealthy food. Reducing food costs can be achieved through the following measures:

Learn to cook your own meals and do not buy semi-finished products, which are much more expensive than the products they contain. This will also improve the quality of food - you will be able to choose each product yourself and check its expiration date.

Create a menu for the coming week. By shopping for groceries according to the list, you will eliminate the possibility of purchasing unnecessary ingredients, and you will also buy only as much food as you really need to prevent it from spoiling.

Use it discount cards, pay attention to ongoing promotions, and try to purchase products sold at discounts.

Products that do not require special conditions storage, and do not deteriorate for a long time, should be purchased in large packages - usually the price in this case is significantly lower than when purchased in small quantities.

Don't neglect going to local market, especially during the summer season - food there is much cheaper than in supermarkets.

If you are the owner summer cottage with a vegetable garden, do not forget to make winter crops from the crops you grow.

Bringing lunch to work will not only save you money, but will also improve the quality of your nutrition.

Other ways to save

Advertising today has a huge influence on consumer choice, so many people choose expensive brands that are no better than little-known analogues. This applies primarily to medicines and hygiene products - a domestic manufacturer or exporter from neighboring countries will always offer more cheap goods. Having received a prescription in a hospital from a doctor who is directly interested in selling an expensive foreign drug, you can come home and find a cheaper analogue on the Internet with exactly the same composition. Therefore, you should not overpay just for a loud name and brand.

When buying clothes, electronics, furniture, building materials and other goods, you can use the services of online stores. They offer similar products as in regular shopping centers, but at reduced prices, due to the absence of expenses for renting premises, employee salaries and other expenses. We recommend registering in several online stores in your region - this will allow you to stay up to date with current discounts, sales and promotions regularly carried out by the management of these online trading platforms.

Many stores offer various promotions, such as “buy 2 pairs of shoes and get the 3rd for free.” You can make group purchases, i.e. team up with a friend or friend and share the necessary goods for two or three, receiving a decent discount.

There are still an endless number of ways to save money that makes it possible to live on a 10,000 salary. However, not everyone can come to terms with this level of income, so we suggest that you familiarize yourself with additional ways making money on the site

Lately, people are increasingly wondering how to live on 10,000 rubles a month. In Russia it is slightly more than this amount. And so it’s only logical that people are thinking about the opportunities they will have. You can often hear that someone lives on 10,000 per month for 1 person, and some even support an entire family of several members on this amount. And all this is far from a fairy tale. Therefore, sometimes it is very difficult to understand how to live on 10,000 rubles a month.

With payments

In general, it is generally accepted that you can live on this amount alone. But only if you constantly deny yourself everything. After all, in this issue You also have to take into account. In most cases, these costs (they are considered basic, mandatory) cost about 5,000.

Exactly half remains. In principle, the average student is able to live like this and eat normally. But rarely. No frills, daily consumption of meat and some delicacies. It is enough to buy only the essentials. For many, such marginal savings are simply unacceptable. Therefore, if people are interested in how to live on 10,000 rubles a month, it often means not spending on utilities. In this situation, you can follow some useful tips, which will allow you not to deny yourself too much in everything.

Supermarkets

You will have to completely forget about such a word as “supermarket”. During a crisis, prices rise extremely quickly. And therefore, one purchase in a store costs the average buyer in Russia approximately 2. The purchased products usually last for 2-3 days maximum.

What happens? If you take 500 rubles to the store for food every 2 days, then your monthly expenses per person will be 7,500 rubles. This amount includes only the most necessary products. It turns out that one person can live on 10,000 per month. But a family or a couple no longer exists. But how do people cope with this situation? Indeed, it is so. How? They just don't go to supermarkets every day. And they generally forget about their existence.

Markets

Are you wondering how to live on 10,000 rubles a month for a family of 3 people? It's actually not that difficult. Of course, a lot depends on where you live. In Moscow, for example, it is impossible to meet the specified amount even alone, let alone for a couple or family. Therefore, we will talk to you not about the capital, but about an average provincial town.

They forgot about supermarkets. Amazing. But where to buy food then? The answer is simple - the market. This is where you can find the same products, but at a lower cost. In addition, in markets the quality of products is often better. It is advisable to purchase for a long period of time. And often don’t go out shopping. In this case, you won’t have to rack your brains about how to live on 10,000 rubles a month for a family of 3 people. In general, if you don’t pay attention to various delicacies and unhealthy foods, then purchasing from the market will help you survive in a crisis.

Without children

But here is a rule that can protect you from unnecessary and unwanted expenses in difficult times. This is especially true for those who are thinking about how to live on 10,000 rubles a month for a family of 4 or more people. And in general, any unit of society where there are children.

It is extremely simple - go shopping strictly without younger family members. Explaining to your child that you cannot buy him a toy or Kinder because you don’t have money, as practice shows, is useless. Instead of understanding, you will get hysterics, tears and resentment. As a result, you will make an extra purchase, which is not very cheap at current prices. Or the child will harbor a huge grudge against you, which will make itself felt in the future. Therefore, you will have to do all your purchases without small children. Then there will be no need to panic once again about how a family can live on 10,000 rubles a month.

Goodies

Another rule is to buy only what you need. No matter how much you want, but when it’s difficult financial situation you will be forced to take products without frills. That is why advice has already been given - do not go shopping with children.

Please note: you will also have to deprive yourself of the pleasures of food. No chips, Cola, carbonated drinks, ready-made pizzas, etc. To live on 10,000, you need to buy only those products that are stored for a long time, do not spoil the stomach, but saturate it.

It is worth forgetting about various cakes, pastries, as well as some fruits and vegetables. On average, a kilogram of apples now costs approximately 70 rubles. It is enough for one person, say, for 3 days. In this case, restrictions on fruits and vegetables may be lifted. If there are children in the family, then you will have to deny yourself this pleasure almost always. After all, all vitamins will need to be given to the younger generation to the maximum.

Semi-finished products

How to live on 10,000 rubles a month together? It has already been said that you should buy everything you need and on average leave 500 rubles a day in stores. But not for one person, but for two. With such purchases you can really live and eat normally.

However, this rule is difficult to comply with. What else can you give up to cope with the crisis? For example, from semi-finished products. Prepared foods are a huge waste. And the portions that will be offered to you will be extremely small. Sometimes one dinner (for example, 350 gram pizza) costs 300 rubles. But there is still breakfast and lunch!

Do you need to somehow survive a month on 10,000 together? Feel free to go around all the counters in stores with semi-finished products and finished products. For example, supermarkets have their own kitchens where food is prepared. We forget about them too. And remember the sacred rule of saving - now you will have to cook yourself all the time.

Stock

If not going to supermarkets doesn’t work out, you’ll have to use one little trick. How can the two of you live on 10,000 rubles a month just on groceries? Or, for example, a small family?

Various sales will help here and very often they are thrown into the mailbox in which you can always see which product is on sale with what discount and on what date. You compare, choose the products you need and go shopping at a specific store. This does not mean that you need to immediately buy everything. Sales and promotions must be approached wisely.

This option can be used if you do not want to limit yourself too much. Yes, you won't be able to afford most fruits and vegetables, but if you look hard enough, you can always buy them at reasonable prices at sales. This is how people survive on 10,000 rubles during a crisis. Study stocks and choose the most profitable offer, and then go shopping. The main thing is not to forget about the measures. And don't look at products that aren't necessary.

Bookmarks

How to live on 10,000 rubles a month with two children? Are there other savings and survival options for families? They exist, but not everyone will be able to comply with them.

A good option is to control your own spending. Get yourself a special diary. Make bookmarks in it for every day with banknotes. 200 rubles a day. This is the amount you can spend on groceries. And then try to minimize the number of shopping trips. Missed 1 day? Then next time you can spend not 200, but 400 rubles. And so on.

Of course, it's better to spend less. Collect all leftovers from the month and put them in an envelope. Let it be funds for some third-party needs. For example, for washing powder, hygiene products or dishes. It will be difficult for a family with children to comply with this rule. But for a couple or a single person it is quite possible. This is how easy and simple it is to save money and live on a small wages, and also set aside some funds. Even if it’s 200-600 rubles a month, that’s already good.

Transport

Well, we cannot ignore such a thing as transport costs. Sometimes the question “How to live on 10,000 rubles a month?” This means that utility bills are not included in this amount, but other expenses are. And transport too.

The car can be left parked on the street. And try to ride it as little as possible. Don't you have one at all? Then there will be no problems either. It’s also better not to ride on public transport. Or try to use buses/trolleybuses more. Minibuses are a last resort option when there is no other option.

To live on 10,000 taking into account transportation costs, walk and move more. Or on a bicycle/rollerblades. It is enough to eliminate frequent trips by public transport and your own car, and you will notice huge savings. By the way, you can also forget about taxis.

Cafe

We have already said that the family is able to live on the amount indicated in the article, but they will have to cook at home. If you need to somehow survive a month (or live permanently) on 10,000, then no prepared foods or meals.

Cafes, restaurants and fast foods should be strictly prohibited. If you want something “harmful”, learn how to cook it at home. For example, French fries, beloved by many, or they can be home-made. They are in no way inferior to those bought in a cafe. Unless the price of such a delicacy will be lower in the “homemade” version.

Can't learn how to cook any fast food dishes? Avoid them altogether. Yes, it will be hard. But sometimes such restrictions cannot be avoided. After all, savings show results only if you constantly control yourself. Also avoid shopping centers and places where you may be tempted to order.

Wholesale bases

How can a family of 5 people live on 10,000 rubles a month? Only food expenses are taken into account and nothing else. It would seem impossible to do this. Or you will have to exist and not live.

But this is not true at all. If you think carefully, any family can live on this money, if this amount is spent only on purchasing food. And it's not that difficult to do. It’s enough just to go shopping at wholesale stores. It is in such places that you can buy food at reduced prices.

In some cities there are wholesale grocery stores where the prices for any product are simply ridiculous. For example, instead of 600 rubles for 2 kilograms of chicken fillet, you will pay 250 rubles. And at the same time, the quality of the products is no different from the store version. Or a package of gelatin candies will cost 10 rubles, not 130. There are similar places in every city. And if you managed to find this kind of base, you can rejoice - you can live with your whole family on 10,000 rubles a month, without denying yourself anything.

True, you will have to make thorough purchases at such bases. Sometimes it is better to call a taxi once for the way back. Try to buy only shelf-stable products: frozen foods, cereals, pasta, cheeses, semi-finished products (this is allowed here) plus things that can “stay” for a long time, like candies and chocolate.

The main problem of modern residents is that many believe that shopping at wholesale grocery stores is simply humiliating. Pride needs to be hidden away. And then there will be no problems. After all, products that are sold in such places are often repurchased by the same supermarkets and make huge markups. It turns out that buyers overpay for identical goods.

In the article we provided tips that will help you learn how to live on 10,000 rubles a month for a family of 2 or more people.

How to live on a meager pension? This is the question thousands of pensioners ask every day. It is especially difficult for lonely old people who have no one to support them. Magazine Reconomica interviewed a pensioner who shared her experience of distributing a pension of less than 10 thousand rubles. How to save, what to eat, what to give up, how to live at the end of the month, when there is still a week until the next pension - about this in today's material.

At the beginning of 2015, I, Ilmira Imelevna Gavrilova , joined the huge 42 million army of pensioners in our country. I won’t lie, I was looking forward to this moment and left work with pleasure. I wanted to live freely: take care of my health, my beloved grandchildren, devote more time to hobbies and reading, and not jump up and run to “work hard” every morning.

Maybe this wouldn't have happened. Due to “optimization”, with 22 years of teaching experience, I became unemployed and had to get a job as a salesperson in a grocery store for a private owner on the basis of a mutual agreement without registration.

Therefore, the size of the pension, despite the total 30 years of experience, turned out to be slightly higher than the minimum, equal to living wage per capita in our region - 8,200 rubles.

What problem did I face in the first months of retirement?

This is what my pension looks like

The first months of “free” life flew by instantly: I didn’t feel a lack of funds - my small savings helped. But everything comes to an end: savings have dried up, and a bare old-age pension has become the main means of livelihood. Out of habit of living lavishly, I continued to spend money twice as much as my allowance. In the end, I got into debt with friends, took out loans...

The former optimism diminished and the constant question “how to continue to live on 8,000 rubles” haunted me. Eg, . What's worse about me? It’s completely incomprehensible to me why there is such injustice. How can I live on half the money?

What to do when your pension is not enough?

Why is the problem of lack of money relevant for pensioners?

The number of pensioners in our country is growing rapidly, and it is becoming increasingly difficult for the younger generation to feed us unemployed people, so there is no need to wait for an increase in benefits as “manna from heaven.”

Most older people are unable to work due to poor health, and the crisis and rising unemployment prevent them from finding work. I don’t argue that not all pensioners are “offended”: hundreds of thousands of former officials,management staff, military, judges, oil and gas workersthey get a lot. These are only a few hundred thousand people, but the remaining millions are disabled,victims of radiation disasters,orphans without a breadwinner,old age pensionerslive on funds ranging from 7,000 rubles. up to 14,000 rub.

It turns out that millions of people have the same meager funds as my pension - 8,000 rubles, in most cases even less. But you shouldn’t despair about this, you can live, and you need to learn to live on what you have.

I offer some tips to solve this problem, acquired from personal experience. I hope that the knowledge I acquired during my first years of retirement will help you not only learn to live within your means, but also change your outlook on life itself.

How I looked for a pension increase

I’ll tell you about the methods of increasing your pension that I excluded. I do not recommend for pensioners:

Take on hard physical work.

Feeling the first financial difficulties, I immediately went back to the store as a salesperson, fortunately they respected me there and did not forget me. I worked for three months, paid off debts and closed loans... But it’s hard physical labor and being on my feet for 12 hours weakened my health: my joints ached. Doctors explained that senile changes in the body cannot be cured, but can only be slowed down: reduce physical activity and alleviate it with the help of painkillers... There was no talk of continuing to work... Costs for medicines have increased significantly.

Take out loans.

Loans to pensioners are issued without guarantors and unnecessary documentary evidence: easily and quickly, but it is almost impossible to pay on time from a small allowance. I have already told about my such experience before. It's a big risk to get stuck in debt trap for a long time is also not a suitable option for replenishing the budget.

How I found the right method and started planning a budget

Having left my job, which gave me the opportunity to get out of the debt hole, but which completely undermined my health, I began to learn to live in a new way, within my means. Changing the entire way of life and attitude towards it in accordance with the sudden onset of physical and material disadvantages was difficult, but it turns out it is possible.

First I calculated all my expenses:

• communal apartment,
• nutrition,
• cloth,
• medicines,
• gifts for relatives,
• feasts on holidays,
• necessary household goods,
• repair

Etc. for a month. The result was an impressive amount, far exceeding my allowance. I crossed out everything that was not urgently needed at the moment. The list contains the essentials for each month:

• communal apartment,
• food,
• medicines,
• household goods.

The total amount of money previously spent on this list did not suit me: if utility expenses remained within a certain amount, then expenses for food and medicine were large and did not change for the better.

Advice: utility bills can be reduced.

It was necessary to change the range of products, reduce medications, and reduce expenses on household goods. This means changing your lifestyle, lifestyle: diet, set of medications and required product. My new principle living “eat half as much and exercise twice as much in the fresh air” helped bring them into line with retirement.

How do I spend my 8,000 ruble pension? Specific plan of my budget for the month

I divided my monthly expenses into several groups.

Calculating utility costs

Communal payments. I live in my own house, so the costs of sewerage and general repairs are not included here.

• heating (gas) – 1600 – 1700 rub.
• electricity – 300 – 350 rub.
• water – 100 rub.

Total – (maximum) 2150 rub.

How to live on 3,000 rubles a month: list of products

Going to the store now only with a list!

Nutrition. Probably, many are interested in the menu of a pensioner for 3 thousand rubles. Indeed, for this a small amount you can eat normally. I excluded from my diet expensive meat products, sausages, canned food, smoked meats, overseas fruits and other food delights imposed on people by the insatiable trading industry.

Here is my grocery list for the month:

• Bread– 1/2 loaves per day, that is, 15 pcs. – 300 rub.
• Cereals:
• oatmeal (most of all) 5 kg – 150 rub.
• pearl barley 3 kg – 90 rub.
• semolina 1 kg – 45 rub.
• buckwheat (favorite) 3 kg – 210 rub.
• millet (cheap) 2 kg – 50 rub.
• rice 3 kg – 150 rub.
• peas 3 kg – 75 rub.
• Flour 2kg – 70 rub.
• Meat and fish(usually chicken and cheap pollock) – 1000 rubles.
• Dairy and 2 liters of cheap sunflower oil - 300 rubles.
• Eggs 3 dozen – 180 rub.
• Sugar 2 kg – 100 rub.
• Vegetables and fruits(most necessary):
• potatoes 10 kg – 200 rub.
• apples 1 kg – 65 rub.
• cabbage 3 kg – 60 rub.
• onions 3 kg and garlic 3 pcs. – 100 rub.
• salt and seasonings – 100 rub.

Total – 3245 rub.

How to save on medicines

Here are the most essential medications (designed for me, you can change the list, but choose cheap analogues instead of the recommended expensive imported ones domestic production, eliminating as much as possible the risk of buying a fake):

• Medicine for hypertension (one tablet every day) 1 package – 250 rubles.
• paracetamol 2-3 packs (for colds, fever, joint pain) – 180 rubles.
• nimesulide 1-2 packages (for joint pain) – 120 rubles.

Total – 550 rub.

How much does the minimum set of household goods cost for a month?

Household goods (most necessary):

• Washing powder 1 pack – 50 rub.
• toilet soap 2 pcs – 30 rub.
• toilet paper 5 rolls – 50 rub.
• dishwashing detergent – ​​50 rub.
• toothpaste and razor – 150 rubles.

Total – 330 rub.

We create an emergency reserve

The total amount of expenses is in the range of 6275 - 6300 rubles per month. Of the remaining amount of 1,700 rubles, 700 rubles. I put it in my wallet (for unplanned expenses), and put away 1000 rubles for a “rainy day”. Of course, you can spend them right away, but the ability to withstand the onslaught of “habitual” desires and needs, to be content with the minimum, denying yourself the pleasure of eating delicious food and showing off fashionable clothes, is a new way of life.

I even noticed an improvement in my health on a meager diet of porridge in water with vegetable oil.

Opinions of people and doctors on the problem

True, there are not enough people who agree with my current daily routine. Strict accounting of budget expenses and income and strict adherence to what was planned seems almost indecent to people: like a manifestation of stinginess. But in developed capitalist countries people have been living this way for a long time.

Medicine has long convinced us that most people get sick due to poor nutrition: excessive consumption of high-calorie protein, fatty, sweet, salty and smoked foods has a bad effect on health. Eating carbohydrates and plant foods, on the contrary, improves health.

How to live on retirement in Russia: ways to survive, tips

So, my advice to retirees:

1. Make a budget plan and stick to it strictly.
2. Change your diet.
3. Do not spend money on expensive gifts, but rather sew, knit or make a souvenir for your children or grandchildren.
4. Do not follow the lead of the trading industry and do not “buy” into advertising.
5. Take advantage of the opportunities: vegetable garden, garden, picking berries, mushrooms and herbs.
6. Take advantage of subsidies and benefits offered by the state.
7. If your health allows, continue to work at light jobs.

Announcement: the magazine offers part-time work for retirees

Dear pensioners!

If you found this article because you are in a difficult life situation, we suggest reading the magazine’s vacancies. We are looking for freelancers without work experience. Big money We don't promise, but the job is simple. To work, it is enough to have a VKontakte account.

In times of crisis, many people face the problem of a catastrophic lack of money. By following budget planning tips, you can find out how to live on 10,000 rubles a month.

How to live on 10,000 rubles a month if you are alone?

The number of people who account for the monthly amount of 10,000 rubles is of great importance. A person living alone spends money only on himself, but the directions of his expenses and methods of saving may differ depending on the initial living conditions.

The number of people who account for the monthly amount of 10,000 rubles is of great importance

Products

Most people spend the most money on buying groceries. And this is natural, since currently the cost of food has increased significantly.

However, you can save money if you adhere to the following rules:

1. The need for meat can be largely satisfied with chicken. By quality characteristics it is not much inferior to beef and pork, but costs an order of magnitude cheaper. It is better to buy a whole chicken rather than individual parts. You can boil broth from one bird and make a second dish
2. It is better to buy vegetables and fruits at the market by hand, choosing the most favorable prices. In the market, unlike in a store, you can also reduce the offered price through bargaining.
3. It is important to buy only as many products as needed. The desire to buy more goods on sale often turns against the buyer - the expiration date expires and the food goes into the trash. The exception is shelf-stable products (canned food, tea, coffee, sunflower oil, etc.).
4. It is much more profitable to prepare desserts yourself rather than buy them in a store. Moreover, homemade pies and cakes do not contain all the harmful additives that are present in store-bought products.
5. It is advisable to completely exclude delicacies from the diet, purchasing them only on special occasions and when available. free funds. Any person can easily live without red caviar, expensive cheeses, smoked sausage and much more.

A great help is the opportunity to purchase meat, dairy products, vegetables from friends or relatives from the village. Such products are of much higher quality and are cheaper.

Most people spend the most money on groceries.

In order to save money, it is important to make your diet as satisfying as possible at minimal cost. For breakfast, preference should be given to porridge, for lunch, focus on side dishes (potatoes, rice, pasta, buckwheat), in the evening you can drink tea with pastries own production.

Household chemicals and cosmetics

If we talk about cosmetics, then if there is an acute shortage of money, you can refuse most of the products you use and keep only the essentials: shampoo, soap, toothpaste, deodorant, shaving cream, etc.

Of course, it is more difficult for women to limit themselves to such a small arsenal of remedies. They have a much greater need for care products and decorative cosmetics than men. But if you don’t have enough money, you won’t be able to spend significant amounts on shower gels, lotions, creams, eye shadows and lipsticks. You can only afford to purchase budget cosmetics in a minimum quantity and use them as economically as possible.

If we talk about cosmetics, then if there is an acute shortage of money, you can refuse most of the products you use and keep only the essentials

Household chemicals should be purchased during promotions, since their shelf life is unlimited. Preference should be given to simple and effective means - soda cleans surfaces no worse than expensive cleaning products, and laundry soap removes stains better than any popular stain remover.

Cloth

Currently, there are many stores offering clothes at very low prices. Of course, the quality of the goods in such retail outlets is quite low, but if you wish, you can find quite good options. Don’t forget about second-hand stores, where they often sell brand new items of excellent quality with tags.

Nowadays there are many stores offering clothes at very low prices.

It often helps to have large quantity friends who may pass on things that are inappropriate for them. The only thing you shouldn't skimp on is shoes. It is better to spend a specially set aside amount once on a pair of high-quality boots and wear them for several years than to invest money in buying new inexpensive shoes every season.

Communal payments

To avoid going broke on utility bills, you should follow simple saving rules:

Rental of property

If you don't have your own home, the main expense item arises - rent. In order to save money, you should rent not a full-fledged living space, but part of it. The real estate market has plenty of offers for renting out rooms in communal or ordinary apartments. You can also stay in a dormitory. If rental prices are very high in your location, you should consider sharing a room with a neighbor. This will reduce costs to a minimum.

If you don’t have your own home, the main expense item arises - rent.

Machine maintenance

With an income of 10 thousand rubles, you should seriously think about whether it is worth using a car. Maintaining even the most inexpensive car, taking into account the prices of gasoline and spare parts, will require certain financial investments. You should consider selling the car or storing it in a safe place until better times.

With an income of 10 thousand rubles, you should seriously think about whether it is worth using a car

If a car is a necessity, its use should be reduced to a minimum.

Directions

Travel on public transport is relatively inexpensive, but if there are constant trips or transfers, it can cost a significant amount. In order to save money, you should switch to a walking lifestyle as much as possible. Distances that can be covered on foot are not worth traveling.

Travel on public transport is relatively inexpensive, but if there are constant trips or transfers, it can cost a significant amount

A great alternative to walking is cycling. You can buy an inexpensive used bicycle model and ride it around the city.

Keeping a pet does not require any special material costs if you approach the issue wisely

Leisure

Of course, with a budget of 10,000 rubles, it is difficult to allocate money for expensive events, but many pleasures can be obtained for free or for little money: walks in the park, visits to the zoo, exhibitions, street concerts, etc. It is important not to forget about special coupons, promotions, days open doors etc.

Of course, with a budget of 10,000 rubles it is difficult to allocate money for expensive events, but many pleasures can be obtained for free or for little money

Calculation example

A budget of 10,000 rubles for one person living in his own apartment and not having a car can be distributed approximately as follows:

• products - 4000 rubles;
• utility bills - 3000 rubles;
• clothes - 1500 rubles;
• leisure - 600 rubles;
• animals - 200 rubles;
• travel - 500 rubles.

In order to save a little for unexpected expenses, you will need to reduce expenses on leisure, groceries, or refuse to purchase new clothes.

Budget planning for two

When planning a budget of 10,000 rubles for two, the age of the people matters. If the second person is a child, then additional expense items appear in the form of paying for kindergarten or school, purchasing toys, textbooks, etc.

When planning a budget of 10,000 rubles for two, the age of the people matters

Two adults

It is difficult for two adults to live on 10 thousand rubles, since food consumption and all other expenses increase exactly twice. In this situation, the only way out is to reduce costs on all non-essential things and purchase only the essentials.

It is difficult for two adults to live on 10 thousand rubles, since food consumption and all other expenses increase exactly twice

It is advisable to plan your monthly budget in advance in great detail, leaving a reserve for unforeseen expenses.

Approximate cost plan for two:

• products - 3200 rubles;
• utility bills - 3400 rubles;
• clothes - 2000 rubles;
• household chemicals and cosmetics - 200 rubles;
• animals - 200 rubles;
• travel - 1000 rubles.

Due to the guaranteed increase in costs for utilities, clothing and travel, non-essential leisure expenses are completely eliminated, and the amount available money for the purchase of products decreases.

Adult and child

If you have a child, new expenses appear in the form of paying for kindergarten or school, purchasing clothes and toys. You can reduce expenses by borrowing clothes and shoes from friends whose children have already outgrown their things. You can also solve the issue with toys.

If you have a child, new expenses appear in the form of paying for kindergarten or school, purchasing clothes and toys.

There is no charge for school meals if it is possible to officially confirm the status of a low-income family. Payment for kindergarten produced in a reduced size. In addition, preschool children do not need to pay for public transport.

Useful habits

The following healthy habits will help you stay within your budget:

Thus, not only one person, but also two people can live on a modest amount of 10 thousand rubles a month. The main condition is careful planning of expenses and the abandonment of any secondary needs.

In large modern cities, there is no escape from aggressive advertising and huge shopping centers that encourage you to buy even more and regularly. At the same time, if you believe the statistics, there are still quite a lot of low-income and simply poor people in our country. How to live on 10,000 rubles a month without debt? We will try to find the answer to a question that interests single pensioners, students and many young families.

Determine your main expenses

You should start planning your personal budget by determining your approximate monthly expenses. Even if you have never thought about expenses and their optimization before, try to write down the main purchases and payments. Basic expense items are considered to be utility bills, food, transportation costs, personal hygiene products and household appliances. Each independent person spends his own money on the listed items every month.

If your goal is to find out how to live on 10,000 rubles a month, most likely, the available money will have to be distributed between these expense items. The indicated amount is relatively small. If your income was previously higher, you will have to give up many of your usual expenses. Visiting paid beauty and health centers, sports clubs, restaurants and entertainment venues - all this is not a priority need. You should also pay close attention to your own bad habits, if you have any. By giving up cigarettes and alcohol, you will save at least 2-3 thousand rubles a month and bring enormous benefits to your own health.

Secrets of personal financial planning

Be sure to start leading home accounting if you haven't done this before. Write down all your expenses, take into account even little things like traveling by transport and buying chewing gum. You can maintain a budget in any form convenient for you - in a paper notebook or a text document on a computer. Today, there are even free smartphone apps designed specifically for controlling expenses.

It is enough to keep a budget for at least 30-60 days, and you will understand how to live on 10,000 rubles a month. Your task is to analyze all expenses and understand which ones can be reduced. In fact, there are a great many ways to save on life without compromising its quality. Let's try to analyze the most effective of them.

Savings on monthly payments

Utility bills are one of the mandatory expenses for every independent person. We recommend that you always pay your bills on time and in full. How much do utilities cost and how can you save on them? If you have meters installed, it makes sense to start being conscious about resource consumption. Do not turn on electrical appliances “just like that”; when leaving the room, turn off the lights, turn off the water while brushing your teeth. Our compatriots have come up with dozens of similar tricks. But what to do if meters have not yet been installed in your apartment? As practice shows, paying for utilities based on their actual consumption is beneficial only if fewer people actually live in the apartment than are registered.

Discounts on payment of apartment bills are provided to certain categories of beneficiaries. If your family has any privileges, contact the department social protection and apply for a subsidy. How much utilities cost depends on the region, the size of the apartment and the number of people registered in it. On average, the total monthly rent is about 2-5 thousand rubles.

Balanced diet

One of the most important expenses for any person is food. If you want to learn how to live on 10,000 rubles a month, get ready to learn how to save on food. First you need to create a rough menu plan. Basic products such as cereals, pasta, local vegetables and fruits, sunflower oil, bread, milk are regularly consumed by everyone.

Your task is to try to calculate at least approximately the number needed for a month. Cross off prepared meat products from your shopping list - sausage, sausages, ham. It is much more profitable to purchase meat and prepare some dishes from it yourself. Any thrifty housewife keeps her own list of budget dishes. Salads such as “Vitamin”, Olivier salad, and vinaigrette are not at all difficult to prepare.

In fact, you can create real culinary masterpieces from simple and inexpensive products. Almost any soups, pancakes and pastries are considered quite profitable. How can a family of 4 people live on 10,000 rubles a month and not go hungry? At first glance it seems that this is unrealistic. But in fact, it’s enough to spend a little more time than usual on cooking. Do not buy any semi-finished products; try to avoid factory-made mayonnaise, sauces and sweets as much as possible. Don't be afraid to try new dishes and unusual recipes.

Grocery purchase

Just a few years ago the cheapest and profitable option The purchase of products was considered to be their purchase on a wholesale basis. Today, in the era of supermarkets, most of our compatriots prefer to shop there. Be sure to have a snack before going to the store and make a clear shopping list.

If you go shopping with an empty stomach and without notes, you risk picking up too much unnecessary stuff. Many large stores offer customers products of their own production. And this great way save! Typically, the packaging of a branded product costs 10-50 rubles less than an analogue from a well-known brand. Such a significant difference is explained by the fact that when selling goods of its own production, the store does not spend money on advertising.

A rather controversial option for saving is purchasing a large number of products on promotions. In conditions of a limited budget, such a purchase for future use cannot be considered a successful investment. If a promotion seems like a great deal to you, you may want to purchase a little more products than you originally planned. Take the time to look at the expiration dates of the product and think about whether it is really popular in your family. It is not recommended to make too large reserves. Modern thrifty housewives even purchase canned goods in quantities of no more than 4-5 cans of one type. With large purchases, there is a high risk that the product will simply go bad.

Culinary tricks of the thrifty housewife

Many secrets of saving on food were known to our grandmothers. You can cook soup from one piece of meat or chicken, and then prepare a second dish. The cutlets turn out tasty and juicy if you add finely chopped onions or white bread crumbs, previously soaked in milk, to the minced meat. Very economical and tasty side dishes can be prepared from rice, buckwheat or pasta. Experiment with sauces and delight your family with new dishes every day.

If you have your own dacha, you can save a lot of money by growing vegetables and fruits. If you don’t have a private plot of land, you can plant a vegetable garden right on the windowsill. Anyone can grow greens and herbs. Some of our compatriots manage to regularly harvest tomatoes, cucumbers, strawberries and even citrus fruits in their own apartments.

Daily consumption goods

The next most important expense item after food is manufactured goods. This category can include cosmetics, household chemicals, personal hygiene products, and various household items. Knowing the approximate needs of your family, the purchase of these goods can also be made at a time.

How to save, how to live on 10,000 rubles a month with a child? According to research results, many of our compatriots overpay when purchasing such products completely unreasonably. We are used to believing advertising, well-known brands, and are happy to buy “special” products. Try not to buy the most expensive products, but those that truly meet your needs. Don’t forget about the method of “radical” savings - try using folk recipes for preparing cosmetics and detergents.

Buying clothes and other things

If you save family budget you are planning for a few months, a grocery basket will help you out. With a good income, you can save up quickly, even enough a large sum, saving on food and giving up significant purchases. But what if you have to live on a small salary all the time? One of the most pressing problems is buying clothes and shoes. You can save a lot by visiting various sales. This is especially noticeable when purchasing seasonal items. Choose clothes for winter in the spring, and swimsuits and beach items in the fall. You can also look at store departments with last season's collections.

How to live on 10,000 rubles a month in Moscow, where to dress? Inexpensive, high-quality items can be purchased at second-hand and consignment stores. What’s especially nice is that first-category stores sell not only used clothes, but also new ones. You can buy a wide variety of things cheaply in Chinese online stores.

Save every day

Anyone who wants to learn how to save should master the art of rational consumption. Before using any service or purchasing a product, try to sensibly evaluate this offer and your own need for it.

It is advisable to train yourself to never spend money spontaneously. Even if your budget is not limited, you should visit several different stores before making a purchase (you can virtual versions) and compare prices for the same product. If you want to know how to live on 10,000 rubles a month with two children, spending money wastefully is simply unacceptable. Such seemingly innocent little things as lunch at an inexpensive cafe or buying a glossy magazine can seriously harm your budget.

You didn't even know about these expenses!

When we talk about bad habits, most of us think about drinking alcohol and smoking. In fact, regularly repeated, not the most useful actions can be present in various areas of life.

What habits might be stopping you from saving? There are a great many of them. It is advisable to stop shopping off the list. When standing in line at the checkout at the supermarket, try not to even look at the shelves with sweets and household items. It is also useful to train yourself to never go shopping “just to look”, except when you are comparing prices on goods.

Still wondering how to live on 10,000 rubles a month? List of products with sample menu and maintenance home budget They will definitely help you. At the end of the month, analyze your own expenses; most likely, you will find several extra items appearing among other items out of habit.

Time or money?

When talking about saving, most of us imagine boring and monotonous days. In fact, you can live a full and interesting life, even without spending almost any money on entertainment. Find a hobby you like. You can read books, watch movies, play sports and crafts without leaving your home. All these entertainments will not require material investments. Try to resume the tradition of visiting and inviting friends over. Believe me, home gatherings will cost much less than visiting a cafe.

If we talk about saving, the phraseology “time is money!” takes on a completely new meaning. One of the secrets to reducing living expenses while maintaining a decent level of living is to do more with your own hands. The cost of homemade food is always lower than the price of semi-finished products or dishes from a restaurant menu. However, you will have to spend time cooking at home. This simple rule applies to many other household chores and needs. Without special education, you can learn to sew clothes, home textiles, renovation work, take good care of yourself. Don’t be afraid to learn something new, and then you will understand how to live on 10,000 rubles a month for a family of 3 people.

Feel free to take advantage of subsidies and benefits

Many of our compatriots endlessly criticize the state for the lack of social support. In fact, not everyone knows about the benefits they are entitled to according to the law. Every Russian who finds himself in a difficult life situation can get help. Social benefits are provided to large and low-income families, disabled people and many other categories of citizens.

In many regions of our country there are federal and private charitable foundations. Such organizations consider each application individually and help with things, products, and employment. IN modern Russia with government support it can even be improved living conditions. Don't hesitate to ask for help if you really need it. Contact the social welfare department at your place of residence. Large non-state funds You can easily find charitable organizations in your region on the Internet.

Promotions, discounts, free offers

How to live on 10,000 rubles a month? The menu has been drawn up, but there is very little free money left? Don’t be in a hurry to get upset, you can get many goods and services at good discounts, and for some you don’t have to pay at all. Don't be lazy to look for opportunities to save. You can get a free haircut and receive various beauty services when you apply to the appropriate training center as a model.

Coupon services are very popular today. To receive a discount, you must purchase (for a symbolic amount) a coupon. This is a great way to save on entertainment, services and various goods. In addition, you can find communities where people share a variety of things with each other for free. If you use all these tricks, your grocery basket will always be full. And with proper organization of spending, you can even save money with an income of only 10,000 rubles.